PayWay is a simple, secure, internet-based solution to collect and manage customer payments.
About PayWay Net
This page describes PayWay Net.
PayWay Net allows you to accept once-off online payments.
You can use PayWay Net for:
- online sales,
- invoice, statement or bill payments,
- stored value top-up
- Customer Service - online payments by credit card are quick and easy for your customers
- Ease of Integration - simply link to a payment page hosted by us, or build seamless integration with PayWay Trusted Frames
- Reduce Compliance Scope - outsource processing of credit cards to reduce your compliance scope
How it Works
PayWay Net is available as either a hosted payment page or trusted frame.
|Hosted Payment Page||Trusted Frame|
|Payment pages hosted by us||Embed PayWay trusted frame into your payment page|
|Accept credit cards and PayPal||Accept credit cards|
|Customise with your logo and customer reference number label||Maintain full control over customer experience and branding|
|Receive an email when each payment is processed||Receive a real-time response back to your server|
|Protect yourself with Fraud Guard and 3D secure||Protect yourself with Fraud Guard|
PayWay Net also allows for your shopping cart details to be securely displayed on a payment page hosted by us. This integration type has been replaced by the trusted frame solution.
PayWay supports other ways to interface with your software:
|PayWay REST API||
As well as the PayWay Net Trusted Frame, use the PayWay REST API to:
See PayWay REST API
|PayWay Credit Card API||
Process payments by sending credit card details from your PCI-DSS compliant system.
Download the PayWay API Developers Guide.pdf.
Hosted Payment Page
- Accept credit card and PayPal payments on a page hosted by us
- Protect yourself from fraud using 3D Secure
- Customise with your logo and customer reference number label
- Receive an email when each payment is processed
No website development is required, but you may wish to add a link from your website to PayWay.
To setup PayWay Net:
- Purchase PayWay Net
- Sign-in to PayWay
- Click Administration in the menu and then Company Details
- Set your contact details, social media sites and upload a logo
- Click Setup Net in the menu and then Hosted Payment Page
- Choose No Website or Simple Link and follow the wizard
Make a note of your Biller Code.
You can customise:
- Your company logo
- Name of reference number you collect (e.g. customer number, invoice number)
- Rules for your customer reference number
- Minimum and maximum payment amounts
- Credit card surcharges
To accept PayPal:
- Click Administration in the menu and then PayPal Accounts
- Follow the wizard to link your PayPal Business or Premier account to PayWay
Hosted Payment Page - No website
If you do not have a website, once you have setup PayWay Net, tell your customers to:
- Visit payway.stgeorge.com.au
- Click Make a Payment
- Enter your biller code and follow the prompts
Your customers will enter a reference number so you know who paid.
Hosted Payment Page - Simple Link
To link to PayWay from a website you are building in HTML, copy and paste the example HTML link into the
To link to PayWay from a website created with a content management system, add a link to this URL:
?????? with your biller code from the Hosted Payment Page wizard.
Example HTML link
To pass additional information to PayWay, you can add query string parameters to the URL.
This is useful if you want to:
- pass details specific to the payment (reference, amount and customer email address)
- accept payments for different reasons (e.g. fees, donations, events)
To choose which merchant or PayPal facility to use, use these parameters:
|merchant_id||Choose which of your linked merchant facilities to use for this payment.|
|paypal_email||Choose which of your linked PayPal accounts to use for this payment.|
To pass the customer’s email address to PayWay, use this parameter:
|receipt_address||Customer’s email address for receipt emails|
Payment Reference Parameters
The Payment Reference is used so that you know who has paid. This appears as “Customer Reference Number” on PayWay transaction reports and the transaction search page. You may wish to use a customer number, membership number or invoice number.
To pass the payment reference to PayWay, use these parameters:
|payment_reference||Your reference for this payment.|
To change the payment reference field name and validation rules, use these parameters:
|payment_reference_text||The label to the left of the payment reference field|
|payment_reference_text_help||The help to the right of the payment reference field|
|payment_reference_minimum_length||The minimum length allowed for the payment reference|
|payment_reference_maximum_length||The maximum length allowed for the payment reference. At most 100.|
|payment_reference_check_digit_algorithm||See list of supported algorithms below|
|Check Digit Algorithms|
Payment Amount Parameters
To pass the payment amount to PayWay, use these parameters:
|payment_amount||Amount of the payment before any surcharge is added by PayWay.|
To change the payment amount field name and validation rules, use these parameters:
|payment_amount_text||The label to the left of the payment amount|
|payment_amount_text_help||The help to the right of the payment amount|
|payment_amount_minimum||The minimum payment amount you accept|
|payment_amount_maximum||The maximum payment amount you accept|
This is useful if you accept payments for a variety of purposes. e.g. both events and donations.
Trusted Frame is embedded in your page
The PayWay Trusted Frame solution allows you to:
- Embed an PayWay trusted iFrame in your payment page
- Accept payments by credit card
- Maintain full control over the user experience
- Reduce your PCI-DSS compliance scope
- Protect yourself with Fraud Guard
Contents of Trusted Frame
The trusted frame is part of the PayWay REST API.
For step by step instructions, see Trusted Frame Tutorial tutorial.
Shopping Cart Plugins
We have developed shopping cart plugins for:
Many other plugins have been developed by shopping cart providers.
If you are developing a new plugin, use the Trusted Frame.
Test Card Numbers
Use the following credit card numbers with your test facility.
All other card numbers will return
42 No universal account.
An incorrect expiry date will return
54 Expired card.
The cardholder name does not matter.
|Card Number||Security Code||Expiry||Response|
|4564710000000004||847||02/19||08 Visa Credit Approved|
|4564030000000007||847||02/20||08 Visa Debit Approved|
|5163200000000008||070||08/20||08 MasterCard Credit Approved|
|5163610000000008||847||02/20||08 MasterCard Debit Approved|
|2221000000000009||009||01/20||08 MasterCard Approved|
|6250947000000014||123||12/33||08 UnionPay Approved|
|6226880000000000||453||11/25||08 UnionPay Approved|
|6226880000000018||453||11/25||05 UnionPay Declined|
|4564710000000012||963||02/05||54 Visa Expired|
|4564710000000020||234||05/20||51 Visa Low Funds ($10 credit limit)|
|5163200000000016||728||12/19||04 MasterCard Stolen|
|376000000000006||2349||06/20||08 American Express Approved|
|343400000000016||9023||01/19||62 American Express Declined|
|36430000000007||348||06/22||08 Diners Club Approved|
|36430000000015||988||08/21||43 Diners Club Stolen|
|3530000000000003||573||10/25||00 JCB Approved|
|3530000000000011||573||10/25||05 JCB Declined|
See Enquire Now.
Add Merchants, Accounts, Modules or Close a Facility
Phone us on 1300 255 483 between 8:30 am and 5:30 pm (AEST), Monday to Friday or email firstname.lastname@example.org
Free Test Facility
To develop and test, get a free PayWay Test Facility.
Visit Forgotten Password and use your email address and security question to reset your password.
If you have further problems accessing your account, please fax a written request with your name, phone number, email address and business name on a company letterhead to +61 2 4951 0055.
Phone the Helpdesk team on 1300 395 501 between 8.30am to 5.30pm (AEST), Monday to Friday or email email@example.com
PayWay® is a registered trademark of Westpac Banking Corporation
Copyright © St.George Bank - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714
Conditions, fees and charges apply. This information has been prepared without taking account of your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your objectives, financial situation and needs. Terms and conditions available on application.
PayPal is a registered trademark of PayPal, Inc. MasterCard is a registered trademark of MasterCard International Incorporated. American Express is a trademark of American Express. UnionPay is a registered trademark of China Union Pay Co. Ltd.